محمد يوسف

Designing and implementing an overall risk management process for SMEs and Mid-cap potential clients, including financial statements analysis, industry analysis as well as assessing external factors impacting stakeholders.
 Preparation of written credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the client’s risk of default, credit rating and adequacy of the proposed financing.
 Keeping knowledge of key issues up-to-date (legal, market risk and protest reports and bankruptcy).
 Ensure full adherence to the credit policy and governance regulations set by CBE.

• Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers.
• Continuously identify and exploit cross selling opportunities that embed the bank and its products with customer needs.
• Build and manage rapport with corporate clients so as to ensure optimum customer acquisition, retention and income generation from sales of all appropriate Assets, Liabilities and Cash management products of the bank.
• Maintain high professional standards and strive to provide quality services and competitive pricing to clients.
• Resolve any customer complaints promptly and professionally Participate in one-on-one meetings with clients to explain services to guide their choices.

• Reviewing financial data on spreadsheets.
• Evaluation client credit data and financial statements by assessing financial ratios in order to determine the degree of risk involved providing facilities.
• Preparing reports about the degree of risk in lending money to clients.
• Analyzing client records and using the data to recommend facility structure and repayment plans.
• Using credit-scoring systems & I-score for credit amounts (secured and unsecured).
• Keeping knowledge of key issues up-to-date (legal, market risk and protest reports and bankruptcy).
• Ensure full adherence to the credit policy and governance regulations set by CBE.

* Examining Companies’ accounts and financial control systems.
* Evaluating and understanding the internal control system.
* Performing analytical procedures on expected or unexpected variances in account balances or
class of transactions.
* Observing physical inventory count.
* Checking the financial records and reports accuracy and reliability.
* Preparing audit reports and financial statements.
d securities 2015.